FDIC-Insured - Backed by the full faith and credit of the U.S. Government

Government Shutdown Assistance:
We’re Right Beside You.

If you are a federal employee and experiencing financial impact due to the government shutdown, we’re here to help! We may be able to assist you with:

  • Short-term loans with no fees or interest
  • Loan payment assistance options

Please reach out to your lender, call 701-293-2400, or email us at OnlineBanking@GateCity.Bank today.

Group of friends laughing in downtown Fargo, ND, holding sparklers to celebrate opening their new Gate City Bank checking accounts

$50 for You and Your Friends!1

Two days only! Get $501 when you refer a friend or open a checking account with us for the first time, exclusively October 15‑16.

Choose My Account

Smiling brunette, holding her cute terrier up to the camera for a photo outside Gate City Bank in Moorhead

Free $501 for New Customers.

It’s yours when you open a checking account with us for the first time – only Wednesday, October 15 and Thursday, October 16!

Come on in, give us a call or open your personal account online. It only takes 10 minutes or less.

Get My $50
Cheerful senior business owner, walking to meet his business banker in downtown Grand Forks on a sunny autumn day

Free $501 for Businesses.

Receive $501 when you open a new business checking account October 15-16, too! Choose from simple, nonprofit or complete options for your growing business.

Call 701-293-2400, or stop into any convenient location near you!

Find My Nearest Location
Two friends in fall jackets, taking a selfie at Island Park in Fargo after opening their checking accounts

Free $501 for Friends.

Already have a checking account with us?

Tell a friend, and you'll BOTH receive $501 when they open a new account October 15-16. There’s no limit, so tell as many friends and co-workers as you’d like.

Share With a Friend

Two teen girls, upside down and giggling in a pile of autumn leaves in their backyard in Bismarck, ND

And So Much More.

When it comes to the benefits of better banking, we’re just getting started!

  • Free ATMs2
  • Early paydays3
  • Debit card rewards
  • Easy mobile banking and more
See More Perks

1 Offer valid October 15-16, 2025. Not valid with other checking offers. Customer must be a first-time Gate City Bank checking customer and at least 10 years of age. $50 will be deposited into qualifying accounts by December 16, 2025; recipients will receive a 1099-INT or 1042-S form. Account must be open and maintain a positive balance to receive the credit. $50 minimum deposit to open, and $50 bonus does not count toward minimum deposit. Gate City Bank reserves the right to decline opening an account based on account opening criteria, type of referral source or applications opened outside of North Dakota and Minnesota.

2 Enjoy free access at any Gate City Bank ATM, as well as at over 85,000 MoneyPass® and Allpoint® operated ATMs worldwide. Personal account customers can receive up to $250 in automatic fee refunds at out-of-network ATMs per year. Please see our Schedule of Fees for details.

3 Early paydays! Isn’t that neat? Your funds will generally be accessible the same day we receive a deposit notice from your payer, up to two days earlier than your scheduled payment. Direct deposit is required, and early access is subject to the payer’s timing in submitting funds.

Welcome to Better Banking.

Debit card rewards. 24/7 mobile and online banking. And so much more. Let’s get you started with an account, personalized for you!

Open Checking Account